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    • It is an interesting Final Notice. Firstly because there is usually a reminder Notice before the final Notice. Secondly because it contains some of the wording that should be in the original PCN [aka Notice to keeper]. It could be that the necessary wording in the NTK is missing so they put it in the Reminder Notice to cover their error. If they have it hasn't worked. But the only wat we will know if you post up the back page of the Notice to keeper along with the other details asked for on Post 8 .  If they have got it wrong it means that they are unable to transfer the liability to pay the PCN from the driver to the keeper . I take it that you are the keeper and not the hirer? And do you know how long you are supposed to stay in that car park? In the past I have found Sainsbury's pretty good at cancelling PCNs for their customers. Take both PCNs in to the store and point out if you are a regular customer and that the driver spent a lot of money in their store and see if they could please do something with the ticket for you. if the manager can't help, then come back and we will give you their Head office and write to them. It is the easiest and quickest way to get the ticket cancelled. No point in appealing since that would mean they lose the chance to make any money out of you which is their whole reason for running the car park. If you cannot get Sainsbury to cancel then we rely on ECP getting things wrong so that you don't have to pay  on a technicality or technicalities. For example if the PCN does not comply with the Act and the keeper is not then liable it makes it difficult for ECP to win should it go to court as so many people are legally able to drive your car and Courts do not accept that the driver and the keeper are the same person. Which is why we do need to see the questionnaire filled in and the rest of the NTK. Also it would be helpful to get photos of the signs in the car park. Ones that can be read by us, and the sign at the entrance as well as the inside ones especially those that are worded differently. Poor signage is another defence that works well and you will  need a good defence should they decide to go to Court.
    • Thanks for answer ref address/bank. Thought it wise to double-check.   When I reply to them as per post #5, what should my reason for dispute be?   " dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation."
    • Alternative is to access the video yourself, upload to YouTube or similar and link back here.  Video will be accessible once you input your details into Wandsworth website: https://parking.wandsworth.gov.uk/pcn  
    • Yeah only £10 so may as well just get it done. When it comes to liaising with the police and bargaining before it hopefully goes to court. How does that happen? Via email? Phone call etc
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mortgage - housing benefit????


clare77
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hi guys

wondered if you could help - i am a housewife and spend my whole time looking after my 3 children, my husband is self employed but not currently making a profit - there fore our actual earnings for benfit purposes is zero.

 

we currently own our home (mortgaged ) we are having to borrow the money off friends and family to pay our mortgage we have no money what so ever it has been like this for 6 months now - i have spoken to council and they have granted us full council tax benefit and full housing benefit but said we cannot claim housing benefit because we have a mortgage they have offered to pay £600 per month towards private rent - my current mortgage is £600

i asked if they could help towards interest on mortgage but they cant - i cant get out of mortgage as £8k redemption penalty. mortgage is for 90k house is worth about 105k - just dont know if i can do anything else.

my option is to sell my house and go in private rent but houses not selling at present.

 

spoke to mortgage place(birmingham midshire) and i cant pay interest only as only had mortgage 5 months and they cant help me further.

 

no one can help me ???? - not sure which way to go.

 

any advice much appreciated - sorry to drone on

x

clare

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Are you in receipt of any other state benefits other than council tax?

 

You may be able to apply for income support mortgage interest (ISMI). Normally this does not pay out until week 40 of the claim (the new rules whereby you only need to wait 13 weeks for this don't come in until 1st April 2009 unfortunately) but you may also be entitled to other state benefits which you are currently not in receipt of.

 

Information on how to contact the DWP to see what you are entitled to is here DWP - Contact us

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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dont think can get income support as my hubby self employed but income is zero - we get ctc & wtc totally £200 a week for a family of 5 to pay all our bills, debts, mortgage food everything - our mortgage is 600 a month????? - we would have £50 per week for everything else just cant do it.

- do they back date it as we been in this situation for 16 months

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They don't normally back date it but there's certainly no harm in asking them to do this.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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have just checked about the income support mortgage interest - we have to be on income support or job seekers so cant claim that!! - any other suggestions

at the moment we get £200 if my husband shuts business up we would get £500 per week - doesn't seem right when he not getting no wages or nothin from business at moment. - no incentive for people to work.

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have just checked about the income support mortgage interest - we have to be on income support or job seekers so cant claim that!! - any other suggestions

at the moment we get £200 if my husband shuts business up we would get £500 per week - doesn't seem right when he not getting no wages or nothin from business at moment. - no incentive for people to work.

 

 

Have you checked you are getting the right amount of tax credits?

Start Calculation

Consumer Health Forums - where you can discuss any health or relationship matters.

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